How many EMIs can I miss before a loan becomes NPA in India?

Short answer
In India, a loan usually becomes NPA if EMIs are unpaid for 90 days continuously, which means around 3 missed EMIs.

What Does NPA Mean

NPA stands for Non-Performing Asset. When a borrower does not pay EMIs for 90 days, the bank classifies the loan as NPA. Iske baad bank treats the account as high risk and recovery process start ho sakta hai.

How Many EMIs Can You Miss

If you miss one EMI, the loan is still normal but late payment charges apply.
If you miss two EMIs, the account becomes irregular and bank reminders increase.
If you miss three EMIs back to back, the loan can be marked as NPA.

Exact timing depends on the loan type and bank, but 90 days is the standard RBI rule.

What Happens After Loan Becomes NPA

Once a loan is NPA, credit score takes a big hit. Future loans or credit cards become very difficult. Bank may start recovery calls, send legal notices, or even take action under SARFAESI for secured loans like home loans. Situation serious ho jaati hai, so delay avoid karna best hota hai.

Can You Fix It Before NPA

Yes. If you pay pending EMIs before the 90-day mark, the loan stays regular. Some banks may allow restructuring or temporary relief if you inform them early. Silent rehna sabse bada mistake hota hai.

Final Takeaway

Missing one EMI is a warning. Missing two is risky. Missing three can turn your loan into NPA. Agar problem aa rahi hai, bank se baat karo early. Time pe action liya toh damage roka ja sakta hai.